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Refurbishment Bridging Loans
Refurbishment bridging loans are short-term finance solutions designed to help property owners, investors, and developers fund renovation works. Whether you're planning a light refurb like a new kitchen and bathroom, or a heavier project involving structural changes or conversions, this type of loan can provide fast access to the capital you need.
Refurbishment bridging loans can help you add value, meet tight deadlines, and improve your return on investment. Once the work is complete, borrowers typically refinance onto a longer term mortgage or sell the property to repay the loan.
A bridging loan is a short-term property finance solution.
While similar to standard mortgages, bridging loans are designed for temporary use, typically lasting 12 to 18 months. They are not intended as long-term financing options for property purchases.
Bridging loans provide both flexibility and speed, making them suitable for complex or straightforward situations. They are significantly faster to arrange compared to standard mortgages.
Bridging Loan Calculator
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Fund Your Next Refurbishment Project
Save 65% on a Lasting Power of Attorney - Compared to high street prices!
Market Leading Rates
The maximum amount you can borrow based on your scenario
A personalised quote
Easy Lender On-Boarding with Minimal Documentation
No upfront broker fees
No obligation
We specialise in arranging bridging finance for refurbishments, ranging from basic cosmetic changes to full heavy refurbishment projects.
Protect your interests with a Lasting Power of Attorney.
Save 75% on a Lasting Power of Attorney - Compared to high street prices!
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Bridging Loans
We are not a lender; we act as an introducer. We are not regulated by the Financial Conduct Authority (FCA). By using our service, you agree that we may share your details with an FCA-regulated broker who can assist with your enquiry.
iBrokr
Save Money Market’s loan application system is powered by iBrokr Ltd. iBrokr was founded by experts in both lending and broking to provide you with advice on a range of specialist products – so whether you need bridging finance for a home purchase or property development , you’ll always speak to a specialist in each area. We believe in responsible borrowing, and want to make your money work for you. Through our system and relationships with an extensive panel of market leading lenders, we can find the best deals to match your situation.
FEES MAY BE PAYABLE ON DEPENDING ON YOUR CHOICE OF FINANCIAL PRODUCT. THIS WILL DEPEND ON YOUR CIRCUMSTANCES AND WILL BE DISCUSSED AT THE EARLIEST OPPORTUNITY.
THINK CAREFULLY BEFORE SECURING OTHER DEBTS AGAINST YOUR HOME. YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON A MORTGAGE OR ANY DEBT SECURED ON IT. IF YOU ARE THINKING OF CONSOLIDATING EXISTING BORROWING YOU SHOULD BE AWARE THAT YOU MAY BE EXTENDING THE TERMS OF THE DEBT AND INCREASING THE TOTAL AMOUNT YOU REPAY
Representative Example - Refurbishment Bridging Loan
James identified a dilapidated terraced house at auction, purchased for £360,000. With a 75% LTV bridging facility, he drew £270,000 on day one to complete the purchase, with a further £75,000 to cover refurbishment works, funded 100% in arrears as each stage completed, bringing his total facility to £345,000. Over a 9-month term at 0.74% per month, interest totalled £22,977. The lender's 2% arrangement fee added £6,900, with solicitor and legal fees of approximately £2,000, bringing total borrowing costs to £31,877. Once works completed, the property was valued at £550,000, a £190,000 uplift on purchase price. James refinanced onto a buy-to-let mortgage at 75% LTV, raising £412,500, repaying the bridge in full and retaining over £150,000 of net equity locked into his growing portfolio.